Having trouble in Mississauga with a handicap? Get the right legal help to protect your financial future and get what you deserve. We know dealing with a handicap and complicated insurance claims is very stressful for individuals and their families. It’s even harder to do it alone with health problems and financial problems.
To file a disability insurance claim you need to know a lot about policy terminology and insurance laws. Companies that sell these kinds of policies use obscure words and complex rules to make it harder to file a claim. We have made it our job to learn about these issues and help our clients get over the obstacles that insurance companies create.
Usually the claims process starts when your doctor says your medical condition makes it impossible for you to do your job. But insurance companies don’t usually accept this without a lot of checking. They want you to have several medical exams, detailed functional assessments and a lot of paperwork showing what you can’t do. It can take months or even years to complete this process.
At Longo Lawyers we know every disability case is about a person whose life has been changed big time by an illness or injury. We know our clients are dealing with major health problems while trying to keep their finances stable so we treat each case with that in mind. That’s what guides us through the whole legal process.
Insurance companies use many ways to reduce the amount of money they have to pay to disabled applicants. They might challenge the medical diagnoses, ask doctors they choose for a second opinion or say you can do different kinds of work than you did before. These methods often make people less likely to follow through on their genuine claims or accept settlements that are much lower than what they should get.
Your disability claim must be backed up by a lot of strong medical evidence. Insurance companies go over every detail of your medical records to find any inconsistencies or holes they can use to deny your claim. We work with doctors and other medical specialists who know the rules of disability law and can give you strong proof of your functional limitations.Mississauga has many businesses so people who live there work in many different fields that require various physical and mental skills. People who work in offices, healthcare, construction or retail all have different disability needs because of the nature of their jobs. We know how different jobs can affect different health problems and functional limitations.
When insurance companies deny initial claims or stop ongoing benefits the appeals process is needed. There are strict timeframes and precise paperwork that must be followed exactly for this process to work. If you don’t meet these conditions your case can be irreparably harmed and you can lose your entitlement to benefits.
Long term disability policies often have rules that affect how benefits are calculated after a certain amount of time. Some policies cut benefits when you turn a certain age or become eligible for other government programs. We review these rules very carefully to make sure you know how they will affect your future benefits.
When you have a disability budgeting your finances becomes very important. When income goes down and medical costs go up it can be hard to stick to a budget. We help clients understand all of their benefits and look for all possible ways to get money back so they can get the most money back.
Some disability cases involve incidents at work that may also need to be looked into by a Slip and Fall Lawyer if the impairment is caused by problems with the property. Our main area of expertise however is getting disability insurance payments through negotiation or if necessary litigation.
Timing is very important in cases of impairment. Early legal help can often prevent small problems from becoming big problems that make it hard to get benefits. When insurance companies know the claimant has skilled legal advice from the start they also take claims more seriously.
If you are having trouble with a disability claim in Mississauga we strongly recommend you get legal advice as soon as possible. The sooner we can look at your case and find any possible issues the better we can protect your rights and get you the benefits you deserve.